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About Uninsured/Underinsured Drivers

The Summerlin uninsured/underinsured motorist lawyer at the law offices of Naqvi Injury Law has helped countless car accident victims navigate the car insurance process and seek damages for injuries following crashes in our state. Our legal team knows that when you are in a crash and suffer property damage, physical injuries, and psychological harm, you want to settle your claim, receive the compensation that you deserve, and move forward with your life.

Unfortunately, while you should be able to recover the money you need after a crash caused by another party, not all drivers carry insurance as required by Nevada law. When this is the case, turning to your own policy’s uninsured/underinsured motorist coverage may be your best option. For a free consultation to learn more, please contact our Summerlin uninsured/underinsured motorist lawyer today online or by phone.

  • Improper following/following too closely;
  • Improper or erratic lane change;
  • Illegal driving on the shoulder of a roadway;
  • Passing where illegal;
  • Operating a vehicle in a reckless manner;
  • Racing;
  • Driving too fast for conditions;
  • Making an illegal turn;
  • Intentionally cutting off another driver;
  • Failing to signal;
  • Failing to yield; and
  • Intentionally disregarding traffic signs or other traffic laws.

Of the above, speeding/driving at an unsafe speed for conditions is one of the most dangerous. To be sure, speeding has been named a leading cause of accidents, although data shows that top causes also include failing to yield, operating a vehicle in a careless manner, and making an improper turn.

Understanding Nevada’s Car Insurance Laws and Liability for a Crash

Nevada is an at-fault car insurance state, also referred to a tort liability state. This means that drivers in the state of Nevada are responsible for paying for damages resulting from accidents that they cause, and that they are required to carry liability insurance so that they do not have to pay for these damages out-of-pocket, and to ensure that an injured party recovers the compensation they need.

The Nevada Department of Insurance requires that drivers carry insurance in the following minimum amounts:

  • $15,000 per person in bodily injury liability coverage;
  • $30,000 per accident in bodily injury liability coverage; and
  • $10,000 per accident in property damage liability coverage.

These are the minimum amounts. Drivers are able – and often encouraged – to purchase higher coverage amounts, as well as different types of coverage. Other insurance coverage options that a driver may purchase include collision coverage, which pays for damages to a vehicle caused in a crash, regardless of fault; comprehensive coverage, which pays for damages resulting from fire, theft, or natural causes; uninsured/underinsured motorist coverage (UM/UIM), which pays for harm caused to you or your passengers when an at-fault driver does not have coverage or does not have sufficient coverage to pay for your injuries; and medical payments (Medpay), which pays for medical treatments in a crash regardless of fault.

What Happens if the At-Fault Driver Is Uninsured or Underinsured?

When a crash occurs, determining fault is essential, because it is the insurance company of the at-fault driver that is responsible for paying for losses. However, if the at-fault driver does not have insurance, the not-at-fault party should file a claim with their own policy’s UM/UIM coverage or/and Medpay coverage.

Despite the fact that neither of these insurance types is required under Nevada law, they are both critical, and should be purchased by all drivers. If you are in a crash caused by an uninsured driver and you do not have UM/UIM coverage or Medpay coverage, recovering compensation for your injuries may be very difficult to do.

Reputations Are Earned, Not Given

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Naqvi Injury Law 9500 W Flamingo Rd, #104 Las Vegas NV,  89147 702-553-1000
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Our law firm’s founding attorney — Farhan Naqvi has handled hundreds of complicated auto accident cases, including:

  • Car accidents
  • Truck accidents
  • Motorcycle accidents
  • Drunk driver accidents

He started his career as an insurance defense attorney many years ago and later joined one of the largest personal injury law firms in Nevada where he often litigated more than 200 cases simultaneously. His strong experience with insurance companies & accident law is the foundation of our boutique law firm. We devote ample resources & time to obtaining maximum compensation for accident victims.

Why Do I Need to Work with an Experienced Summerlin Uninsured/Underinsured Motorist Lawyer?

Learning that the driver that caused your crash does not have insurance can cause a lot of anxiety, stress, and worry about how you will recover compensation for your harm, especially if your injuries and losses are serious. When you contact our law offices, we will get to work immediately, which includes:

  • Exploring all potential sources of insurance and compensation, including the other driver’s insurance, your own insurance, and the insurance of any third parties who may have contributed to the accident;
  • Filing claims against the appropriate parties;
  • Valuating the amount of damages you have suffered;
  • Negotiating with the insurance company for a settlement; and
  • Filing a lawsuit when settlement cannot be reached.

We also provide you with legal support throughout the entire claims process, answering any questions that you have about recovering compensation, liability, how insurance companies work, what happens when a settlement cannot be reached, and more.


$22.5 Million
Auto Accident
$7.4 Million
Defective Product
$4.2 Million
Motorcyclist Hit By Car
$2.9 Million
Auto Accident
$2.5 Million
Auto Accident

Contact Our Law Offices Today

Being involved in a crash is a terrifying experience in itself. Learning that that driver who hit you is uninsured and therefore has no way of paying for your injuries can make a car accident that much worse. If you are involved in a crash with an uninsured motorist, you need a talented Summerlin uninsured/underinsured motorist lawyer on your side who is willing to fight for you and help you recover a settlement.

Why Work with Our Firm?

You can schedule your free, no obligation consultation with our law firm by calling our offices directly today, or by writing us a message online. We will reply to your inquiry as quickly as possible to help you start on the road to recovery.

Call (702) 803-3092 Never Settle For Less

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Contact our law firm by filling out the form below or call us to schedule a free initial consultation. We are compassionate, yet aggressive when protecting accident victims and family who lost loved ones in wrongful death accidents. Located in Las Vegas, our firm serves clients throughout the state of Nevada.

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